Why Choose Consumer First Credit?

Emergency Cash when you need it most.A short-term loan can help you and your family meet unexpected expenses or simply get you through to the next paycheck. Short-term loans can also help you avoid late fees, utility reconnect fees, and bank overdraft charges.

Funds usually available next day.Fully approved and verified applications are typically funded the next business day. Some loans may be eligible for same day funding! Please make sure you are available via phone and email in the event more information is required.

All credit types considered.Consumer First Credit is an option for people with all credit types. We will verify your employment and banking information to determine if you can pay back the loan. If everything checks out, we are happy to work with you!

Lightning fast approvals.After completing our fast online application form, you will receive an immediate response. Pending verification of your identity and the accuracy of your loan application, we will guide you step-by-step until the money is deposited into your bank account.

Frequently Asked Questions

What kind of loans do you offer?

Consumer First Credit offers short term consumer loans often used to cover unexpected expenses. These loans are not intended to meet long-term financial needs.

How much can I borrow?

Consumer First Credit offers loans up to $1,000. The actual amount of your loan is contingent on many factors and is based on a judgment of how much you can afford to borrow and your ability to pay back the loan?

Do I need to have great credit?

Consumer First Credit is an option for all credit types. We are not like the local banks that are only lend to a select few. However, we do believe you should be able to afford a loan with us, and we will evaluate your ability to pay the money back. We will look at your banking history and verify your employment in order to help us make a decision. If everything checks out, we are happy to work with you! We do not discriminate.

When will I receive my loan?

Once you submit an application, you will hear from us within one (1) business day. Please make sure you are available via phone and email in order to finalize your loan documents or to provide any additional information necessary to evaluate your application. The faster we can reach you, the faster we can process your loan.

Loan applications fully verified and approved by 5pm Eastern Time are typically funded the next business day excluding bank holidays. Some loans may be eligible for same day funding. Loans are not processed on weekends and bank holidays.

Why is Consumer First Credit better than other lenders?

There are several reasons. Most importantly, Consumer First Credit works hard to get the money you need into your hands as soon as possible. We believe in transparency meaning Consumer First Credit will never charge you any "hidden fees" not fully disclosed in the Loan Agreement or the Loan Cost & Terms. Consumer First Credit provides its customers with outstanding customer service. Our representatives can be reached anytime during business hours to make sure you are well taken care of. We also offer many ways to save on finance fees and earn rewards for good financial behavior.

Is my personal information secure?

We use the highest industry standards of encryption to protect your data. We constantly test our system for vulnerabilities against hacks and other malicious virus attacks. You will have a secure login to access your account.

How can I contact you?

Consumer First Credit customer service department is available Monday through Friday from 8:00 a.m. through 5:00 p.m. Eastern Time. Our telephone number is 855-876-8585. You may also contact us via email at clientservices@consumerfirstcredit.com or via regular mail at:

"I promised myself a long time ago that I'd never borrow money from friends or family. Consumer First Credit was the last option. I'm amazed how they came through for me. I got through a tough time and saved my dignity."~Andrew B.

"Consumer First Credit helped me greatly when I received an unexpected bill. It was the only way we were able to pay rent."~Ashley S.

"I needed a fast loan for an emergency bill, and Consumer First Credit saved me from a very tough short term situation. Thank you!"~Mike P.

"Consumer First Credit was there for me when I needed it the most. We had a family emergency. The bank denied me a loan and the credit card company would not raise my limit even though I've always been a good customer."~Amanda J.

About Consumer First Credit

Consumer First Credit (WLCC Lending CFC) is a subsidiary agency of Wakpamni Lake Community Corporation, an arm and entity organized under and governed by the laws of the Oglala Sioux Tribe of the Pine Ridge Reservation, a sovereign nation located within the United States of America, and is operating within the Tribe's Reservation.Click here to view our lending license.